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Yeah, I'm kinda surprised there isn't an appliances megathread or anything. I'm in the process of buying a place where the current owners are taking all the appliances with them, so I've been trying to figure out this strange world of home appliances. I've been making do (with whatever came with the rental) for so long that it just seems like there's too many options. Are Wolf ranges better than my child receiving an education, and what the gently caress is sabbath mode? Do Fagor and Smeg have performance that backs up their memorable names? It would certainly be appreciated if someone knows enough to start a megathread of sorts.
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Nov 18, 2013 06:45
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I'm in the loan stage, and what's the deal with the escrow for taxes and insurance (I've got better than 80% LTV and it's not FHA)? It seems like it would be better to handle this myself.
krysmopompas fucked around with this message at 09:42 on Jan 24, 2014 |
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Jan 24, 2014 09:40
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I started my short sale buy back in mid-October and I'm looking to close around the end of next month. However, things went a lot quicker than anyone was expecting. Dunno why anyone wouldn't do it if they have the chance, a big chunk of equity like this is hard to pass up.
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Feb 1, 2014 01:18
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Anyone with short sale experience that involved 2 lenders around? Both lenders want a payout, and my lender is only going to authorize the first lender to get that "settlement fee". I had a consultation w/a real estate lawyer and she indicated that, while this is illegal, it happens all the time and the 2nd lender usually squeezes it through the title company as some sort of charge that gets kept off the HUD statement. There isn't any risk to me because I'm still abiding by the letter of all the contracts and the price is still good. The problem is that this 2nd lender doesn't want to play, they want my lender to approve it, and the title company isn't trying to help. I'm not in a position where I could pull a cash sale out of thin air, so is there anything else I could do to make this happen?
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Apr 4, 2014 02:07
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skipdogg posted:That's pure insanity. I know the bay area is desirable to live in, but that poo poo is crazy. No wonder so many tech firms are expanding to Austin and other parts of Texas. 840K here will get you a massive house here. Or 4 really nice regular houses.
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Apr 16, 2014 23:13
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Jastiger posted:We're paying rent right now and are just unsure if we should buy or keep on renting. Rent, otherwise.
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Apr 30, 2014 09:31
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Leperflesh posted:I'm in Concord and we have BART and you can buy a house for $300k here in a not-murdery neighborhood.
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May 4, 2014 05:48
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Been in escrow since October, the bank isn't going to approve the short sale so I'm finally trying to cancel, my realtor has been AWOL for over 3 weeks. On the other hand, it might be a lot of fun to just leave my deposit in escrow so if the bank actually forecloses on the sellers they can never re-sell it.
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Jun 17, 2014 22:53
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mastershakeman posted:The only people who seem happy renting are those who are in horrible places that are extremely cheap. My landlord practically shat himself when I told him I finally had a closing date, since it means he can start marketing the place early with a 20% increase and see if anyone bites before he starts dropping the price. I'm sure he'll get it too, things are already priced above $500/sqft in this building.
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Jul 1, 2014 22:55
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Drink and Fight posted:- live in the SF Bay
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Jul 8, 2014 02:27
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Drink and Fight posted:I live in Temescal now and I love it; ideally I'd stay here. Preferably a duplex or 4plex, otherwise probably a condo. I know I can't afford a SFH anytime soon unless it was a major fixer-upper which I'm not really equipped to deal with. There's a loft in Jack London listed at $350, but there's no way it's going to sell that low even though it's got ~$500/mo HOA fees. Adams Point or part of Grand Lake might have some good condos, and you still might be able to find something good in West Oakland or east of the lake before 14th. But that's really it unless you want to go out further into the burbs.
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Jul 9, 2014 04:24
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Welp, after 10 months of being in escrow between a short sale and then an REO, the landed gentry can now count me among their ranks. My first order of business will be finding the drug stash of whomever thought this was a good idea:  The second order will involve a sledgehammer and lots of sheetrock dust. I've got a lot of bad ideas and poor implementation to correct, but I'm looking forward to it.
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Jul 30, 2014 05:59
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fknlo posted:I need to figure out who I make my first payment to. I haven't gotten a bill but I know that my mortgage has already been bought by someone else. Do I pay the original guys or the new guys? Guess I should probably call someone.
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Sep 26, 2014 22:49
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lampey posted:Edit, I am considering buying a home in Alameda county where a home has to have the old sewer line replaced when it is sold.
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Jun 5, 2015 20:42
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Voodoo posted:I don't particularly enjoy going to the monthly meetings, but they're not that bad and it's the least I can do to ensure that my dues stay low and that I'm in a position to stop dumb poo poo like "no outdoor cooking" from every becoming a thing. My HOA is fine because 90% of us participate. Nothing gets imposed on anyone, you either win the vote or you don't.
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Jun 17, 2015 21:33
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Thesaurus posted:I don't live in an HOA and I like being able to be lazy and do whatever the hell I want with my yard. It's like the wild west. Just replaced most of the yard with rocks, and I only cut the grass/weeds when they are tall enough to be on the city inspector's radar. Besides, you're still not free, you've just got a different warden - a neighbor could snitch to the city for every imagined infraction, make noise complaints, complain about your animals, sue you over some petty issue, etc. At least within an HOA you've got a framework to resolve those disputes before you bring johnny law into the picture.
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Jun 19, 2015 19:27
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A sex dungeon above grade is really just a sex room, and the sounds of whips against flesh without the background chorus of a failing sump pump just don't have the same appeal.
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Jun 21, 2015 03:04
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The only thing I regret DIYing is drywall. It's quite possibly the worst building material imaginable.
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Jun 26, 2015 22:59
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It's me I'm the new hoa president. Time to raise dues and outlaw fun. Actually the first order of business is to help out the lady next door who had to sell her place because of some bullshit 2.5k assessment
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Aug 1, 2015 04:28
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Leperflesh posted:"Due" and "past due" are sometimes distinct terms. My mortgage payment is "due" on the 1st, but I set up autopay with them and they actually take my money on the 3rd. And it's not "past due" until after the 15th.
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Aug 28, 2015 00:18
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Leperflesh posted:Your anger is misplaced. Blame bill collectors (credit card companies in particular) who zealously charge outrageous late fees for being even a single day late with payments. If you tell me my money is due by the 1st, I'm going to get it to you before the 1st if I possibly can. If you wanted my money by the 15th instead, you should have said so.
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Aug 28, 2015 00:45
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Leperflesh posted:Your accounting software should be able to deal with prepayments. I used quickbooks in 1997 that was capable of doing that, so there's no excuse. We don't even have real bank records either, just the deposit date and amount with no indication of whose check it was. And that's really awesome since a previous owner never cancelled some automatic payment service and we think the management company was still cashing her checks for a year.
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Aug 28, 2015 01:12
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Leperflesh posted:There's a place I drive by whenever I'm going to the vet that has a sign out front calling themselves "forensic accountants." Maybe you guys need some of them. Doesn't mean it isn't a shitload of work.
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Aug 28, 2015 01:28
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QuarkJets posted:But the CC&Rs usually say "payment due by X date". If payment is due by the first, then you'll be getting paid by some people before the first. It doesn't matter what the bill stubs say But it's not like it matters going forward. We're moving to direct debit and folks can pay a service fee if they want the privilege of sending their checks in by some other means (doesn't matter since all the units signed up.) On the other side of the problem, it's funny how being sent to collections and paying late fees never encouraged certain people to ever find a way to pay their dues on time, but you make it look like they're getting a discount and suddenly they're signed up. krysmopompas fucked around with this message at 03:02 on Aug 28, 2015 |
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Aug 28, 2015 02:56
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QuarkJets posted:In my specific circumstance, it says payment is due on the 1st and late fees are applied on the 15th. I'm assuming that's what yours say, too. That kind of language makes me assume that payment really is due on the 1st, regardless of when late fees are applied.
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Aug 28, 2015 04:32
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PCjr sidecar posted:I'm glad I don't live in a community where people who can't figure out how to handle a check arriving before the first of the month have direct access to my checking account. idk how I can make it any clearer. We can handle any check in any amount at any time. You can send in your dues in $1 increments if you want, it's not a problem. If you want to be a complete pedant and have your check deposited at exactly 12am on the 1st, that works too. What is a problem is matching individual deposits to individual accounts with no information besides a date and amount. A check received a week early looks just like a check received a week late, the aging reports can't be trusted, and the fact that Mr. Unnecessarily Responsible has the same dues as Ms. Trustifarian is making reconstructing the accounting a lot more work than it would be if everything between the 1st and 15th was on time and everything else was late. krysmopompas fucked around with this message at 19:53 on Aug 28, 2015 |
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Aug 28, 2015 19:17
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